Home Insurance in Middlesex County, Massachusetts
The median home value in Middlesex County is $727,800, 29% higher than the Massachusetts median.
The typical home in Middlesex County was built around 1962. About 48% of homes were built before 1960, about 1 point above Massachusetts's 46%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Middlesex County breaks down to 53% single-family homes and 25% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Middlesex County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Middlesex County has an owner-occupancy rate of 61% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Middlesex County - 59% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Middlesex County, per FEMA's National Risk Index, are inland flooding (Relatively High), earthquake (Relatively Moderate) and hurricane (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Middlesex County had 6,818 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Massachusetts carries a statewide average premium of $2,134 per year.
Key figures
| Median home value | $727,800 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Earthquake (Relatively Moderate), Hurricane (Relatively High) |
| Active NFIP flood policies (county) | 6,818 |
| Home insurance premium | $2,134 - statewide average (NAIC, 2023 data) |
Towns and cities
- Cambridge
- Everett
- Framingham
- Lowell
- Malden
- Marlborough
- Medford
- Melrose
- Newton
- Somerville
- Waltham
- Watertown
- Woburn
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)